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Was your LTD insurance claim denied by RBC Life Insurance?

Remove the stress you and your family are experiencing due to a denial by the insurance company.

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Disability Claims
Long-Term Disability
CPP Disability Benefits

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Seriously Injured? Denied Disability?

We Can Help You Build a Winning Case

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Don’t delay discussing your matter with us to find out how to build a winning case.

Please enable JavaScript in your browser to complete this form.

You don’t pay us unless we win your case. No Out of pocket expenses required.

Note: Your Privacy is Safe with us. We will never disclose your information to external parties.

RBC Life Insurance Denied Disability Benefits

It is very commonplace to receive a long-term disability denial from an insurance company. A denial can catch you off guard, wondering what has happened. Clients are surprised and distressed.

Typically insurance companies cut-off workers’ benefits after 6 to 12 months. RBC Life Insurance Company is no different. They are trying to save their bottom line.

The reason for refusal can differ from case to case. Most people report receiving denials for insufficient medical evidence while others say RBC has determined on their own they can return to work in some capacity. It is up to the person to prove the insurance company wrong.

It is common for people not to even try to challenge RBC’s decision thinking there is no way I can take on a big insurance company. Insurance companies rely on the fact that most people will not appeal their decision as it can seem like quite a daunting task.

After receiving the LTD denial letter, people are not sure how to successfully appeal. What can you do when RBC Life Insurance denies your claim? Here is what you need to know and how to use the RBC Life Insurance appeal process.

The stress and uncertainty can make a difficult situation even more unbearable. We can help

What are the Common Reasons RBC Life Could Deny Your LTD Claim

  • Insufficient Evidence
  • No Objective Evidence
  • Pre-Existing Condition
  • Policy Exclusions
  • Contractual Eligibility
  • Misrepresentation on the Insurance Application

If RBC Life denies your claim, regardless of the reason, you can get your denial reversed through the appeal process. With the help of an experienced Toronto disability lawyer, you can build a winning case. Himelfarb Proszanski has challenged disability insurance company denial on many occasions.

About RBC Life Insurance: RBC Life Insurance Company is part of the Royal Bank of Canada, a multinational financial services company and currently Canada’s largest bank by market capitalization.

Founded 1864 in Halifax, Nova Scotia, the bank has evolved into a group of companies handling multiple facets of financial services, including Insurance.

RBC Insurance has 2500 employees serving 5 million people, offering them health, home, auto, travel, wealth and reinsurances plans. Group and Private Long-term Disability insurance policies are offered under RBC Life Insurance’s Health plans.

5 Tips for Appealing a Denied LT Disability Insurance Claim by RBC Life

If RBC Life Insurance denies your LTD insurance claim, you need to push on and take the next step. Long-term disability claims are routinely denied by insurance companies. In most instances, you should use the appeal process to fight your case. However, it’s important to do it right to preserve your credibility and build a winning case. A Toronto-area long-term disability lawyer from Himelfarb Proszanski can help.

Timing your appeal is crucial for success: there is a 2-year window to file a claim in court, which starts when the applicant receives a “clear and unequivocal denial” of the claim from Sun Life. There is also an internal appeal timeline to obey, which can vary depending on your Sun Life disability insurance plan. An appeal to the insurance company is usually not effective and you simply waste precious time. You should have your case reviewed by one of our lawyers right away to determine your best course of action.

It’s important to gather as much evidence and information as to why your claim has been denied. You can also ask Sun Life to see your insurance claim file and any other documentation your insurance company may have about your claim.

Each disability insurance plan has its own particularities and terms for coverage. It’s important to understand how the terms relate to your situation so you can provide the right evidence to back your claim.

After Sun Life denies your long-term disability benefits, you have 2 options to ask the insurer to reconsider their decision: an internal appeal process within Sun Life, and a court action decided by a judge . It’s critically important to choose the right process, which depends on your specific situation. An LTD lawyer who has challenged Sun Life’s denial decisions successfully can help you make that choice.

Timing is Critical. Help is Free.

Recover Your Disability Benefits

Denied or Cut-Off? Don’t wait. Time is of the essence to recover your benefits.
Book a Free Claim Assessment now with our disability lawyers by completing the form below.

Please enable JavaScript in your browser to complete this form.
Note: Your Privacy is Safe with us. We will never disclose your information to external parties.

Timing is Critical. Help is Free.

Don’t delay discussing your matter with us to find out how to build a winning case.

Please enable JavaScript in your browser to complete this form.

You don’t pay us unless we win your case. No Out of pocket expenses required.

Note: Your Privacy is Safe with us. We will never disclose your information to external parties.

OUR CLIENTS

What They Say About Us

Sherene AlySherene Aly
16:02 23 Mar 24
I was very pleased with my decision to retain David and his team for my case. Melissa Gizzo was simply amazing and was able to secure a fair settlement for me.
T TT T
17:46 16 Feb 24
Experienced and excellent law firm. Their lawyers are wonderful, articulate, dilligent, amicable, calm, respectful, responsible, resourceful and have good human and customer relationships Especially DAN HOLLAND 👌 He is an amazing lawyer as regards dealing with any of the Accident case.I was involvedIn an accident in 2019 February. He was God sent as he dutifully and relentlessly worked hard until the case was settled
LizLiz
22:43 18 Jan 24
I highly recommend Dan Holland as a disability lawyer. His commitment to my case made the process seamless. Dan's clear communication and ability to simplify complex legal matters made it easy for me to understand every step. He demonstrated genuine concern for my best interests, making him not only a skilled attorney but also someone easy to talk to.Dan’s support extended beyond legal expertise; he alleviated my stress during the long-term disability case. His calm approach and unhurried demeanour ensured that there was no rush in our collaboration. This, coupled with his dedication, made the entire experience more manageable, fostering confidence in his ability to handle the case with meticulous care.I wholeheartedly endorse Dan for anyone seeking a lawyer who not only gets results but also prioritizes your peace of mind.
Neeshanth SritharanNeeshanth Sritharan
21:49 01 Jan 24
My mom was involved in an accident impacting her daily life and ability to work. Dan Holland has worked with us during the duration of our case and has been helpful in fighting for her and supporting us, and organizing the things we needed. Our family is incredibly grateful of the outcome Dan was able to obtain for us. I would highly recommend him!
Faiza HamidFaiza Hamid
01:26 22 Dec 23
I'm so happy I chose Mena Brar and her team represet us . We could not ask for a better team she is so kind, loyal, and honest. she spoke to me as an equal and made me feel as if my case was definitely important and that I deserved to be fairly compensated. I appreciate you. Did it for me and how this will help me get back on track with my life. keep helping others. You are doing amazing works, Mena Brar. I wish you all the best.
Brenda FurtadoBrenda Furtado
23:38 12 Dec 23
Many thanks to Silene Malhao for settling my husband's TORT claim and to Mena Brar for settling his accident benefits claim. These ladies made themselves available any time we had a question. They were very understanding and compassionate. We were completely taken care of throughout this process. We would definitely recommend this team to friends and family!
ShaunaShauna
15:52 06 Dec 23
We are so happy that we had David and his team represent us. We couldn't have asked for a better team. Not only is David incredibly skilled and experienced, he is kind and compassionate and it is clear how much he cares for his clients. Megan was also absolutely amazing to work with and was always on top of everything and there to answer any questions we had! Thank you!
Andrew CoutoAndrew Couto
23:10 21 Nov 23
I'm so happy I chose David as my lawyer. I spoke to a few lawyers before finding David and I noticed majority of them spoke to me in a way that felt demeaning or that my case wasn't big enough or important enough to take. One phone call with David and my opinion on lawyers changed. He spoke to me as an equal and made me feel as if my case was definitely important and that I deserved to be fairly compensated. The whole process was wonderful. From dealing with David's law clerk Ingrid whom is an amazing and kind woman to his legal assistant Melissa whom is another amazing kind and talented young woman. I was so stressed about this case but from day 1 they helped ease that stress and always answered all my questions promptly and respectfully. I couldn't believe David got me to mediation within 6 months of being cut off my LTD and got me a settlement way beyond my expectations. I can't say enough good things about this law firm but I guarantee you that if you need a lawyer to fight for you David is your guy! . Believe me when I say this is the law firm for anyone dealing with personal injuries especially LTD denial claims. Thank you so much to David, Ingrid and Melissa you truly don't know how much I appreciate all you did for me and how this will help me get back on track with my life. Keep helping others you guys are doing amazing work! I wish you all the best!
Rose RegazziRose Regazzi
21:15 11 Oct 23
I sustained a relatively painful injury, affecting me long term.I wouldn't otherwise had pursued it, as it involved a relatively large corporation, but felt it necessary to do so. However, many lawyers were daunted, with one, who actually referred me to HIMPRO.I was connected with Dan Holland, who reviewed the case, provided with me realistic expectations, sound advice and had a willingness to move forward and represent me.His calm and professional demeanor, brought me to a place of reassurance. His ease in addressing all facets of this process, clearly demonstrated a wealth of experience. There was never any hesitation, when being challenged, and felt my best interest was always in the forefront.This case has since been resolved, to my complete satisfaction.Without reservation, HIMPRO (and Dan Holland, in particular), would be the only firm I would recommend for these type of cases.
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HIMPRO is a leading law firm with full service personal injury and disability insurance lawyers. We have been recognized by Best Lawyers and assigned the highest rating, AV Preeminent, from Martindale-Hubbell. We provide a combined century of trial experience which has led to the successful settlement of over 10,000 cases with combined settlement value in excess of 3/4 billion dollars. Our mission is to win your case. At HIMPRO by Himelfarb Proszanski LLP we build winning cases. That’s the HIMPRO Advantage™.

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Toronto Disability Lawyers
480 University Ave
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Toronto ON
M5G 1V2
(416) 599-8080

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2 County Ct Blvd
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Brampton ON
L6W 3W8
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Hamilton Disability Lawyers
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L8N 3W1
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Kitchener Disability Lawyers
22 Frederick St
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Kitchener ON
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Oshawa ON
L1H 4G1
(289) 634-5554

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